We are a leading technology and analytics company focused on providing online
financial services. In 2019, we extended approximately $2.2 billion in credit or
financing to borrowers. As of December 31, 2019, we offered or arranged loans or
draws on lines of credit to consumers in 40 states and Washington D.C. in the
United States and Brazil. We also offered financing to small businesses in all
50 states and Washington D.C. in the United States. We use our proprietary
technology, analytics and customer service capabilities to quickly evaluate,
underwrite and fund loans or provide financing, allowing us to offer consumers
and small businesses credit or financing when and how they want it. Our
customers include the large and growing number of consumers who and small
businesses which have bank accounts but use alternative financial services
because of their limited access to more traditional credit from banks, credit
card companies and other lenders.